It is an actuaries job to determine risk and mitigate it, they have noticed a pattern and who am I to argue with them. 

There doesn’t seem to be a predictable pattern to reassessments in the areas I’ve been looking in, but I plan for the worst. 

It is possible someone at a higher level may refuse to underwrite the loan if they see this as a pattern but I don't have personal experience with this.

I would  be very surprised if the IRS did not challenge this specific fact pattern.  

I also see this pattern in this area.

These laminate tops come in a variety of colors and patterns and run less than $10/foot.  

Floor decking and Hardiboard = $220 + $0 labor = $2202 layers of 1/2" plywood, adhesive, screws, nails, hardi laid in mortar bed.72" vanity with granite top = $1,400 + $0 labor = $1,400buyvanitiesonline.comPlumbing fixtures & top out = $480 + $0 labor = $4802 faucets, shower kit, toilet.Tile = $900 + $750 labor = $1,650Travertine laid in antique pattern, door tile, floor stones, mosaic with chair rail trim, thinset, grout.Frameless shower door = $300 + $0 labor = $300Ebay with ORB trim.Tear out wall and pocket door install = $200 + $0 labor = $200frame up and seal old doorway etc.

I've only "dabbled" in the real estate investing on a part-time basis and look to continue the same pattern until I've earned enough income to dive in on a full-time basis.

We see a continual pattern of huge amounts trust deed investment dollars chasing a smaller number of loans.Rates in the single digits, costs near as low as what banks charged, and longer term loans.

Not saying you are interpreting the data wrong or have the wrong data, but if these types of same patterns seem to occur often to you, then I would be more inclined to think you may have bad data or understand it incorrectly.